Not really, in my case the issue was cibil report, It is because of over-leverage. I have 2.3x more combined limit of my ITR hence they didn't even honor my IP amount for the limit but BM fought till the top hierarchy and as a last resort he tried with ITR, I think for normal scenario if you are getting marquee through account route then their 50k limit makes sense which you can easily get enhanced after 3 months according to them.